Name

Acceso Crediticio

Legal name

Edpyme Acceso Crediticio S.A.

Website

https://acceso.com.pe

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Microfinance / Vehicle Lending

NAICS

Consumer Lending (522291), Nondepository Credit Intermediation (5222), Sales Financing (52222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

New & Used Auto Purchase Loans (FSAKADAA)

akta.pro secondary industries

Prime Unsecured Personal Loans (Installment) (FSAKAAAA), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Vehicle financing
• Consumer lending
• Microfinance services
• Taxi vehicle loans
• Non-bank lending

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Credit Interest Income: The primary revenue stream comes from interest charged on vehicle loans, personal loans, and taxi financing products. Rates vary by product: Credinstante at 101% TEA, Extraefectivo at 80% TEA, LD Contigo at 52.5-53.5% TEA, Vm Taxi 3.0 at 27-32% TEA, Seminuevos at 7-15% TEA, and Vm Consumo at 16.99-37.5% TEA. Interest is the main driver of revenue.
2. Fee Income (Commissions and Charges): Additional revenue from various fees including GPS installation and monitoring (S/ 1,820 - S/ 2,362), COFIDE GNV collection service fees (5% of collection amount), insurance endorsement evaluation (S/ 300), certificate issuance (S/ 15), contract duplicates (S/ 30), notary fees, and registration fees.
3. Insurance Products: Commission revenue from bundled insurance products including vehicle insurance (annual rates 1.98%-9.17% of vehicle value), desgravamen (credit life) insurance with and without return options, SOAT issuance (S/ 95 - S/ 1,380), and optional protection plans (S/ 19/month).

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Acceso Crediticio is an Edpyme (non-bank microfinance institution) that originates and services vehicle financing loans, principally for NGV (Natural Gas Vehicle) taxi drivers and other base-of-the-pyramid borrowers in Peru. Its portfolio spans taxi vehicle loans (new and used), consumer vehicle loans, libre disponibilidad personal loans, and bundled vehicle and desgravamen insurance, all serviced through physical branches in Lima and Arequipa plus digital channels (Android app, web portal, QR payments, and an AI chatbot).

Product overview

Acceso Crediticio is an Edpyme (小额信贷公司) operating in Peru that provides vehicle financing and consumer credit products primarily targeting the base-of-the-pyramid population without access to traditional banking. Its product portfolio centers on vehicle credits (taxi GNV, consumer, and seminuevo/used vehicle financing) and libre disponibilidad (free-use) credit products, with digital channels including the Acceso Online app, the Pago Online QR payment platform, and an AI chatbot called Elizabeth. Key credit products include Credinstante (a short-term GNV-linked loan repaid via fuel purchases), Vm Taxi 3.0 (taxi vehicle financing), Vm Taxi Mujer (women entrepreneurs), Vm Seminuevos (used vehicles), LD Contigo, and Extraefectivo. The company also offers bundled insurance products (vehicle insurance, desgravamen life insurance) and a punctual payer loyalty program (PPP).

Differentiator

Problem solved

Functional benefit

Brands

• Credinstante: Instant loan product offering up to S/ 1,000 for vehicle maintenance and repairs, payable over 12 months.

Quantifiable outcome

• Over 437,000 tons of CO2 emissions avoided through financing 26,357 NGV vehicles (English source), and 367,000 tons through 25,703 vehicles (Spanish source)
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability3 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Accesocar S.A.C.coreOthersSubsidiary company of Acceso Crediticio S.A., part of the group of companies under the parent organization. Listed among linked companies in the Privacy Policy.
• Autoclass Retail S.A.C.coreOthersSubsidiary company of Acceso Crediticio S.A. Visible through group logo display on the main website. Also operates at autoclass.com.pe as part of the Acceso ecosystem.
• Pide1Taxi S.A.C. (PIDE1TAXI)coreOthersSubsidiary company of Acceso Crediticio S.A. Operates at pideuntaxi.com.pe as part of the taxi-related business ecosystem within the group.
• Tkobro S.A.C.coreOthersSubsidiary company of Acceso Crediticio S.A. Operates at pideuntaxi.com.pe and is associated with taxi booking services. Linked via group logo display on the Acceso website.
• Acceso Corp S.A.coreOthersSubsidiary company of Acceso Crediticio S.A. Listed among affiliated entities in the Privacy Policy. Operates the corporate careers portal (accesocorp.sherlockhr.com).
• Banco Continental (BBVA)minorChannel Partner/ Reseller/ DistributorPartner bank for loan repayment collections. Banco Continental does not charge commission for the collection service, making it a preferred payment channel for customers.
• Banco ScotiabankminorChannel Partner/ Reseller/ DistributorPartner bank for loan repayment collections. Scotiabank charges a S/ 2.00 commission per transaction for collection services.
• COFIDE (Corporación Financiera de Desarrollo)minorChannel Partner/ Reseller/ DistributorCOFIDE provides the GNV collection system infrastructure for the Factor de Recaudo product. A 5% fee on the collection amount is charged for the COFIDE service. Applies to Taxi Nuevo, Credinstante, Retanqueo, Extra Efectivo, and LD Contigo products.
• OmniautominorOthersPartner referenced in customer communications for taxi GNV loans. Omniauto sends welcome letters and benefit information to taxi loan customers as part of the onboarding process.
• AF Acelera (Autoclass)minorOthersShown in the group companies section on the Acceso website with logo linking to autoclass.com.pe. Represents the vehicle sales/retail component of the group.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Caja Arequipa: Arequipa-based municipal savings institution with strong regional presence in southern Peru, directly competing with Acceso's Arequipa operations in consumer and vehicle credit.

Direct peers

• MiBanco: Peru's largest microfinance bank offering consumer loans, vehicle financing, and small business credit to similar base-of-pyramid segments. Most direct comparable in Peruvian consumer/vehicle microfinance.
• Compartamos Financiera (Peru): Peruvian arm of the Mexican microfinance group (Gentera) providing consumer and small business credit to underbanked clients, directly competing with Acceso in Lima-based microcredit.
• Financiera Credinka: Peruvian Edpyme providing consumer loans, vehicle financing, and agricultural credit with similar rural and peri-urban customer focus, overlapping with Acceso's product portfolio.
• Caja Huancayo: Peruvian municipal savings institution (caja municipal) offering consumer credit, vehicle loans, and small business financing with comparable clientele and rate structures, overlapping in central Peru markets.
• Banco Compartamos (Mexico): Parent/mexican operations of Compartamos group, the largest microfinance institution in Latin America, with similar base-of-pyramid consumer lending model and digital transformation trajectory.
• Tasa Top: Peruvian Edpyme focused on vehicle financing (taxi and consumer vehicles) with similar product offering, target segments, and Peruvian regulatory framework as Acceso.

Broad incumbents

• Banco de Crédito del Perú (BCP): Peru's largest commercial bank with growing vehicle financing and consumer credit segments. A broad incumbent that competes across the full pricing spectrum including lower-tier segments previously dominated by Edpymes.
• Banco Ripley Perú: Peruvian consumer bank specializing in retail and vehicle financing for middle and lower-middle income segments, with product overlap to Acceso's consumer and seminuevos portfolios.

Emerging players

• Kueski Pay: Mexico-based digital consumer credit platform with strong BNPL and personal loan focus, comparable in mission (financial inclusion via digital channels) but operating in a different geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/accesocrediticio
• Facebookfacebook.com/accesocrediticio
• LinkedInpe.linkedin.com/company/acceso-crediticio

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries5 records

Funding overview

Funding rounds3 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Acceso Crediticio